Auto insurance in Arizona is definitely the most common insurance that is purchased and is also the most common for people make mistakes with and get either the wrong coverage or to high of a price.  We are here to guide and help you make intelligent insurance decisions so that you get the most out of your money.  Our site is not attached to any insurance companies so you can get actual unbiased information about how to insure yourself and also how to obtain good auto quotes.  Read the info below and learn quickly how to save a lot of money on insurance policies.

Choosing the right car insurance deductible

Choosing a deductible for car insurance can be overwhelming.  So let’s go over some things that will help you figure the best deductible for you.  Deductibles usually come in the increments 250, 500, 750, 1000, and 1250.  The lower your deductible (what you pay when you are at fault in an accident to repair your vehicle) the more you will pay for your policy.  So if you want a low deductible like 250 you will be paying much more for your auto insurance policy.

The best way to think of this is by asking yourself   “If I was in an at fault accident today and totaled my vehicle what could I afford to pay out of my pocket to fix my automobile”. If you never have more then 250.00 in your savings, you might want to keep your deductible  low.  But on the other hand if you tend to keep a reasonable amount of money in your savings account I would recommend higher deductibles like 750 or 1,000, this will drastically lower insurance cost.  Every company varies on what impact the deductible will have on the cost of your policy.  I would really recommend submitting a form to a site that gives you multiple quotes from multiple companies, that is the only way to truly know that you are getting the best rates possible. We recommend using InsureMe.com as they are the most trusted for insurance and also when we did a test study we found that everyone got the most out of InsureMe. 

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Choosing the right coverage for your auto insurance policy

Let’s explore your options when choosing you car insurance coverage.

Currently the minimum coverage that you can have by law in Arizona is 15/30/10. This is obviously the cheapest option, but it is definitely a little low for most situations. We should 1st understand what these numbers mean and what they actually cover.  The 15 is 15,000 bodily injury coverage per person, per accident (this covers a person involved in the wreck if you are at fault) .  The 30 is 30,000 bodily injury coverage overall per accident (So if one person in the other car takes up 15,000 there is only 15,000 left for everyone else involved.)
(this covers all of the the other parties involved in the wreck if you are at fault, but remember the )
The 10 is 10,000 for property damage. So if you hit a car worth over 10,000 and it is totaled the difference will be coming out of your pocket.
(Property damage includes other automobiles or property as in a light pole)
Now that we understand what those numbers mean let’s talk about how this will effect cost of your insurance policy. Obviously the more coverage the more expensive, but how much more expensive? Well it varies largely from company to company, but you will be really surprised to find that sometimes a little more coverage isn’t much more. I would definitely recommend using a minimum coverage of something like 25/50/25 or 30/60/30. The more common and definitely the safer coverage especially if you have assets to protect is 100/300/100 or even 250/500/250 in some cases. I would have your insurance agent play with the coverage numbers for you to see what makes sense for your situation. The best way is also to get these numbers from several companies. We recommend InsureMe. Click Here and you can fill out a quick form and easily receive quotes from multiple agents, trying multiple coverages from each. Happy hunting and remember the more quotes you get the better chance of getting the best available rate.

Auto insurance for Tempe, Mesa, Scottsdale, Phoenix, Chandler, Glendale and the rest of Arizona.